Do you need tablet insurance? Whether it's the Samsung Galaxy or the new iPad that you've just purchased, you certainly won't want your device to meet an untimely end without the protection that an insurance policy can provide. You'd insure your home, your car and even your health, so why not insure your expensive gadgets as well? Here are a couple of options that you have when it comes to getting insurance for your tablet.
Do You Need Tablet Insurance?
But wait, you say. I'm a careful person, I've never dropped my phone and broken it or spilt coffee on any gadget. Well as careful as you are, you may still be a victim of theft or lose out because someone else wasn't careful with your tablet. Your child might be playing it one day and spill a drink on it, or drop it to the ground and crack the screen. You simply can't foresee the dangers that may befall your tablet at any given moment, so you're better safe than sorry by getting an insurance for your gadget.
Getting The Right Tablet Insurance
So how do you pick out the right tablet insurance for your needs? Well firstly, you need to know that there are two components to every policy when it comes to payment. These are the premiums that you will be paying each month, and the excess fee you will fork out when you make a claim. Often, insurers will lower their premiums to lure in customers who don't know any better, and then charge a hefty excess fee on the back end. Ultimately, this isn't value for money, and you should turn your eyes towards policies that may have higher premiums, but a lower excess fee and more cover options.
The standard cover for any tablet insurance policy should protect you against theft, loss and damage. What separates the average policy from good deals is the depth of the cover that you get. For example, certain policies will only cover you for liquid damage, while others will cover you for damage from accidental drops and breaks in addition to liquid damage. While the more comprehensive policy may cost slightly more, if you're going to invest in insurance you may as well cover all your bases, right?
Which Tablet Insurance To Go For
While smaller insurers may give you a lower price or an overall more attractive package to get you to sign up, getting insurance from them aren't necessarily a good idea. After all, you need to be sure that they will pay out on their claim, and provide you with value for money to boot. Certain smaller insurers may end up shortchanging you by giving you a lesser model as a replacement, or perform shoddy repair work on your device. I would personally recommend looking up a larger insurer like Barclays or Lloyds TSB for your needs.
The Final Word On Tablet Insurance
All in all, there's no question that tablet insurance is an essential part of protecting yourself against risks to your expensive new toy. If you follow the guidelines that I've shared with you, you should have no problems getting a good deal on your policy.
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